Era Finance Ltd (trading as Bankera) is an electronic money distribution agent focused on providing bank account alternative for individuals and businesses. Unlike traditional banks, Bankera services are crypto-friendly – Bankera accepts payments to and from cryptocurrency exchanges. Bankera clients are also welcome to receive funds from affiliate programs and commercial online activity. The company offers personal accounts with IBAN, business accounts with IBAN, physical debit bards, virtual debit bards, merchant accounts, SEPA transfers, SEPA instant transfers, SWIFT transfers, white-label banking solutions, white-label card issuing, API integration to individuals, sole traders, businesses, online merchants, financial institutions, cryptocurrency exchanges.
Bank account alternative
Personal IBAN account in your own name
Physical and virtual VISA debit cards linked to your account
Access your e-wallet via web and mobile apps
Send and receive money using email, phone number or your personal dedicated European IBAN
Pay online for your purchases or request money easily
Budgeting to control your money
Beautiful card and easy-to-use app
(*)as stated by the company itself
Personal Account is a multi-currency account, allowing the account holder to have funds in the following currencies:
Personal Debit Card (Visa) can be ordered together with Personal Account.
Dedicated IBANs assigned to Personal Account belong to Lithuania.
Personal Account is offered to EEA residents, non-EEA residents.
Personal Account is offered with several pricing plans for different customer groups, namely Personal, Personal+.
Bankera cards are debit cards, rather than prepaid cards.
Debit vs Prepaid Cards.Debit cards do not have a separate balance and are connected to an account ore-wallet. Such cards are loaded automatically when the account/e-wallet is being topped up.Prepaid cards have a separate balance from an account or e-wallet.These cards have to be loaded manually, usually from the account/e-wallet.
Bankera cards are issued as both physical (plastic) and virtual cards; plastic cards are delivered to the customer's address.Personal Debit Card is a single currency card, it can be issued in EUR only.
Bankera payment cards are available to residentsof the European Economic Area (EEA) countries and the United Kingdom.
Physical | Virtual | |
---|---|---|
Ordering | free | free |
Monthly Maintenance | free | free |
Delivery | free by mail 3.00 EUR by registered mail 50.00 by courier | n/a |
Card Replacement | 10.00 EUR | n/a |
Payment in shops (EUR) (in the EEA and UK) | free | free |
Payment in shops (EUR) (not in EUR/ outside EEA) | 1.00% | 1.00 % |
Daily Limit | 5,000 EUR | 5,000 EUR |
First 3 ATM withdrawals per month (EUR) (UK and EEA except Lithuania) | free | n/a |
Over 3 ATM withdrawals (EUR) (UK and EEA except Lithuania) | 1.00 EUR | n/a |
ATM withdrawals (not in EUR) (in the EEA and UK) | 1.00%, min 1.00 EUR | n/a |
ATM withdrawals (outside EEA) | 2.00%, min 2.00 EUR | n/a |
ATM withdrawals (in Lithuania) | 1.00% | n/a |
ATM Balance Enquiry | 0.50 EUR | n/a |
ATM Daily Limit | 2,500 EUR | n/a |
*) EEA stands for the European Economic Area and consists of Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden.
Dedicated International Bank Account Numbers (IBANs)
SEPA and SEPA Instant transfers
Cross-border multi-currency SWIFT and local payments in USD, EUR, GBP
Payment import or API for mass payments
Plastic and virtual corporate cards
Issue cards to your employees or customers
High payment and cash withdrawal limits
Use your Bankera account for your cryptocurrency business including exchanges, mining and staking farms
API
(*)as stated by the company itself
Business Account is a multi-currency account, allowing the account holder to have funds in the following currencies:
Business Debit Card (Visa) can be ordered together with Business Account.
Dedicated IBANs assigned to Business Account belong to Lithuania.
Business Account is offered to low and medium risk, high risk, virtual currency businesses.
Business Account is offered with several pricing plans for different customer groups, namely Business, Business+, Crypto Exchanges.
Bankera cards are debit cards, rather than prepaid cards.
Debit vs Prepaid Cards.Debit cards do not have a separate balance and are connected to an account ore-wallet. Such cards are loaded automatically when the account/e-wallet is being topped up.Prepaid cards have a separate balance from an account or e-wallet.These cards have to be loaded manually, usually from the account/e-wallet.
Bankera cards are issued as both physical (plastic) and virtual cards; plastic cards are delivered to the customer's address.Business Debit Card is a single currency card, it can be issued in EUR only.
Bankera payment cards are available to residentsof the European Economic Area (EEA) countries and the United Kingdom.
Physical | Virtual | |
---|---|---|
Ordering | free | free |
Monthly Maintenance | free | free |
Delivery | free by mail 3.00 EUR by registered mail 50.00 by courier | n/a |
Card Replacement | 10.00 EUR | n/a |
Payment in shops (EUR) (in the EEA and UK) | free | free |
Payment in shops (EUR) (not in EUR/ outside EEA) | 1.00% | 1.00 % |
Daily Limit | 5,000 EUR | 5,000 EUR |
First 3 ATM withdrawals per month (EUR) (UK and EEA except Lithuania) | free | n/a |
Over 3 ATM withdrawals (EUR) (UK and EEA except Lithuania) | 1.00 EUR | n/a |
ATM withdrawals (not in EUR) (in the EEA and UK) | 1.00%, min 1.00 EUR | n/a |
ATM withdrawals (outside EEA) | 2.00%, min 2.00 EUR | n/a |
ATM withdrawals (in Lithuania) | 1.00% | n/a |
ATM Balance Enquiry | 0.50 EUR | n/a |
ATM Daily Limit | 2,500 EUR | n/a |
*) EEA stands for the European Economic Area and consists of Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden.
Accounts offered by Bankera as a part of BaaS are multi-currency accounts, allowing account holders to keep their funds in 22 currencies, namely:
Bankera offers issuance of the following card types:
Agent. Providing payment services on your own under Bankera's supervision. Agent is allowed to provide additional services.
Distributor. Providing payment services on your own under Bankera's supervision. Services provided by a Distributor can be only those offered by Bankera.
Operator. Integrating Bankera's services into your environment. Services provided by Bankera directly, the Operator does not provide the services on their own.
Era Finance do not conduct operations with cryptocurrencies.
Era Finance allows crypto-related businesses to open accounts as well as supports in general transfers to and from crypto platforms.
Era Finance Ltd is authorized by the Malta Financial Services Authority as a e-money distribution agent; the authorization was granted on 30 December 2019.
Era Finance Ltd is not a bank, it can't collect deposits from public or loan out its clients’ money. Hence, it does not have to participate in deposit guarantee schemes. However, Era Finance is required to safeguard its customers’ money.
Due to EEA passport rules Era Finance Ltd, can conduct its activities in any of the 30 EEA member states.
Era Finance Ltd is connected to Visa payment card scheme.